ByGail KellnerLast Updated:
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Running a small business comes with a myriad of fees and payments you can’t avoid. Luckily, your credit card doesn’t have to be one of them.
We divided the top business cards into three categories: daily driver, triple play, and category king.
Daily driver credit cards are those you pull out for most purchases. They usually offer a flat rate on purchases like 2% cash back or 2x points or miles. If you only want one business credit card, make it one of these.
Triple play cards offer at least 3% (or 3x points) on at least three different categories, such as gas, dining, office supplies, etc. If you’re going to add a second business credit card, a triple play card is a great complement to a daily driver card.
Finally, category king cards offer up to 5% cash back, but only in one or two categories. These cards are great for purchases in this one category, and complement a daily driver and triple-play credit card very well. This three-card cash back strategy may be the most efficient way to maximize cash back.
Daily Driver Business Credit Cards With No Annual Fee
If you don’t already carry a business credit card, one of these daily drivers is a good choice for your first business credit card.
The American Express Blue Business Cash™ Card
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Our Rating: 4.6
★★★★★☆
The American Express Blue Business Cash™ Card
Welcome Offer
Earn a $250 statement credit
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Est. Value
$250
We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.
Annual Fee
No annual fee
APR
18.49% – 26.49% Variable
Credit Req’d
Good, Excellent
Rewards: Earn 2% cash back on all eligible purchases, up to $50,000 per year. Earn 1% on eligible purchases after that. Terms Apply.
The American Express Blue Business Cash™ Card has a lot going for it. You get a straight 2% cash back on eligible purchases on up to $50,000 per calendar year. Once you spend more than $50,000, you’ll earn just 1% cash back on eligible purchases. You get a decent welcome offer, and there’s a 0% introductory APR offer on purchases for 12 months from date of account opening, then 18.49% - 26.49% variable APR, which will help with new business expenses.
Terms Apply.
1% cash back
1% cash back on eligible purchases after spending $50,000.
2% cash back
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
Pros
- Welcome offer
- No annual fee
- Up to 2% cash back
Cons
- Foreign transaction fee
- Requires good credit
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 05/20/2023 | Not Provided | ||
| Approved | 08/23/2023 | Experian | ||
| Approved | 08/23/2023 | TransUnion | ||
| Approved | 08/23/2023 | Equifax | ||
| Approved | 09/12/2023 | Experian | ||
| Approved | 01/20/2024 | Experian | ||
| Approved | 01/20/2024 | Equifax | ||
| Approved | 01/20/2024 | TransUnion | ||
| Approved | 02/23/2023 | Experian |
The Blue Business® Plus Credit Card from American Express
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Our Rating: 4.5
★★★★★☆
The Blue Business® Plus Credit Card from American Express
Welcome Offer (Terms Apply)
Earn 15,000 Membership Rewards® points
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Est. Value
Up to $300
We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.
Annual Fee
No annual fee
APR
18.49% – 26.49% Variable
Credit Req’d
Good, Excellent
Rewards: Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners up to the first $50,000 in purchases per year, then 1x points. Terms Apply.
The Blue Business® Plus Credit Card from American Express is for business owners who don’t spend more than $50,000 annually because you’ll earn just 1x points on purchases when you pass that threshold. This card is almost a twin of the The American Express Blue Business Cash™ Card except that you earn points instead of cash. If you travel occasionally, this card can help you collect points that you can use to transfer to travel partners. Transferring points to travel partners can get you the most value for your points.
Terms Apply.
1x points
1x points on other purchases.
2x points
Earn 2x Membership Rewards® points on everyday business purchases such as office supplies or client dinners up to the first $50,000 in purchases per year, then 1x points.
Pros
- Welcome offer
- No annual fee
- Up to 2x points
- 0% Intro APR
Cons
- Foreign transaction fee
- Requires good credit
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 04/06/2024 | Equifax | ||
| Approved | 04/06/2024 | TransUnion | ||
| Approved | 04/06/2024 | Experian | ||
| Denied | 12/11/2023 | Not Provided |
Ink Business Unlimited® Credit Card
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Ink Business Unlimited® Credit Card
Bonus Offer
Earn $750 bonus cash back
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee
$0
APR
18.49% – 24.49% Variable
Rewards: Earn unlimited 1.5% cash back on all eligible purchases. This card is ideal for business owners who want a simple rewards system.
The Ink Business Unlimited® Credit Card is a great card for small business owners who want simple and straight cash back. There’s a terrific welcome offer, and after that, you’ll earn a respectable 1.5% cash back on all eligible purchases. There’s a 0% introductory APR offer on purchases for 12 months, then 18.49% - 24.49% variable APR, which will come in handy if you need to expand your business.
1.5% cash back
1.5% cash back on all eligible purchases with no limits to the amount you can earn
Pros
- Welcome offer
- No annual fee
- Earns Chase Ultimate Rewards points
- Earn 1.5% cash back
Cons
- Foreign transaction fee
- Requires good credit
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 03/18/2023 | Experian | ||
| Approved | 12/14/2023 | TransUnion | ||
| Approved | 12/14/2023 | Experian | ||
| Approved | 12/14/2023 | Equifax | ||
| Approved | 10/04/2023 | TransUnion | ||
| Approved | 10/04/2023 | Equifax | ||
| Approved | 10/30/2023 | Experian | ||
| Approved | 04/25/2023 | Equifax | ||
| Approved | 04/25/2023 | TransUnion | ||
| Approved | 04/25/2023 | Experian | ||
| Approved | 04/16/2023 | Experian | ||
| Approved | 01/12/2024 | Experian | ||
| Approved | 01/12/2024 | TransUnion | ||
| Approved | 01/12/2024 | Equifax | ||
| Denied | 01/12/2024 | Experian | ||
| Denied | 01/12/2024 | TransUnion |
Capital One Spark Cash Select for Excellent Credit
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Our Rating: 4.7
★★★★★☆
Capital One Spark Cash Select for Excellent Credit
Welcome Offer
$750 Cash Back
$750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening
Est. Value
$750
We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.
Annual Fee
$0
APR
18.49% – 24.49% Variable
Credit Req’d
Excellent
Rewards: Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel and unlimited 1.5% cash back for all your other business purchases.
The Capital One Spark Cash Select for Excellent Credit is a cash back credit card with an excellent welcome offer and elevated cash back on all your purchases. If you don’t have excellent credit, check out Capital One Spark Cash Select for Good Credit, which is almost the same card minus the welcome offer. Either way, you earn 5% cash back on hotels and rental cars booked through Capital One Travel and 1.5% cash back on all other purchases.
1.5% cash back
Earn unlimited 1.5% cash back for your business on every purchase, everywhere - with no limits or category restrictions.
5% cash back
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
5% cash back
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Pros
- Welcome offer
- No annual fee
- No foreign transaction fee
Cons
- Requires good credit
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 07/22/2022 | Not Provided | ||
| Denied | 07/16/2022 | Equifax |
Capital One Spark Miles Select for Business
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Our Rating: 4.0
★★★★☆
Capital One Spark Miles Select for Business
Welcome Offer
50,000 Miles
Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.
Est. Value
Up to $875
We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.
Annual Fee
$0
APR
17.99% – 23.99% Variable
Credit Req’d
Good 670 – 739
Rewards: Earn 5x miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 1.5x miles on every purchase.
The Capital One Spark Miles Select for Business is an excellent travel credit card for business owners. It offers a little bit of everything: a strong welcome offer, a base of 1.5x miles on purchases, and no annual fee. Perfect for the globe-trotting business owner (no foreign transaction fees, either).
1.5x miles
Earn unlimited 1.5X miles on every purchase
5x miles
Earn 5X miles on hotels booked through Capital One Travel
5x miles
Earn 5X miles on rental cars booked through Capital One Travel
Pros
- Welcome offer
- No annual fee
- No foreign transaction fee
- Up to 1.5% rewards
Cons
- Requires good credit
Wells Fargo SignifyBusiness Cash(SM)Card
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Our Rating: 4.5
★★★★★☆
Wells Fargo SignifyBusiness Cash(SM)Card
Welcome Offer
$500
Earn a $500 cash rewards bonus when you spend $5,000 in purchases in the first 3 months.
Est. Value
$500
We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.
Annual Fee
$0
APR
18.49% to 26.49% Variable
Credit Req’d
Good to Excellent 670 – 850
Rewards: Earn an unlimited 2% cash back on all eligible purchases.
The Wells Fargo SignifyBusiness Cash(SM)Card is a new card from Wells Fargo. There is an excellent welcome offer and a straight 2% cash back on all purchases. The card also offers 0% intro APR on purchases for 12 months, then 18.49% to 26.49% variable APR, which is great if you still have some expenses. There is no annual fee, and employee cards are also free. There’s also complimentary membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounges if your business plans include travel.
2% cash back
Earn an unlimited 2% cash back on all eligible purchases
Pros
- Welcome offer
- No annual fee
- Unlimited 2% cash back
Cons
- High APR
- Foreign transaction fee
- Requires good credit
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 04/29/2024 | Experian |
Triple Play Business Credit Cards With No Annual Fee
Once you have your daily driver, consider adding one of these triple play credit cards to maximize your rewards. Each one offers at least 3% cash back (or 3x points or miles) in at least three categories.
Ink Business Cash® Credit Card
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Our Rating: 4.8
★★★★★☆
Ink Business Cash® Credit Card
Welcome Offer
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Est. Value
$750
We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.
Annual Fee
$0
APR
18.49% – 24.49% Variable
Credit Req’d
Excellent, Good
Rewards: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
The Ink Business Cash® Credit Card has an excellent welcome offer. You also earn elevated rewards on several business categories–categories where a business is most likely to spend money. There is no fee for employee cards and there’s a 0% intro APR offer on purchases for 12 months, then 18.49% - 24.49% variable APR. It’s a perfect credit card for small businesses that won’t go over the rewards cap.
1% cash back
2% cash back
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
2% cash back
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
5% cash back
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Pros
- Welcome offer
- No annual fee
- Up to 5% cash back
- Earns Chase Ultimate Rewards points
Cons
- Foreign transaction fee
- Requires good credit
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 12/13/2023 | Experian | ||
| Approved | 12/13/2023 | TransUnion | ||
| Approved | 12/13/2023 | Equifax | ||
| Approved | 01/03/2023 | Experian | ||
| Approved | 07/04/2023 | Experian | ||
| Approved | 07/04/2023 | Equifax | ||
| Approved | 07/04/2023 | TransUnion | ||
| Approved | 01/06/2023 | TransUnion | ||
| Approved | 01/06/2023 | Equifax | ||
| Approved | 01/06/2023 | Experian | ||
| Approved | 01/12/2024 | TransUnion | ||
| Denied | 08/10/2023 | Experian |
Costco Anywhere Visa®Business Card By Citi
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Our Rating: 4.0
★★★★☆
Costco Anywhere Visa®Business Card By Citi
Welcome Offer
None
Est. Value
None
We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.
Annual Fee
$0 (requires Costco membership)
APR
20.49% Variable
Credit Req’d
Excellent 740 – 850
Rewards: Earn 4% cash back on gas and EV charging stations for the first $7,000 a year (then 1%); 3% cash back on restaurants, 3% cash back on eligible travel; 2% cash back on Costco and Costco.com purchases, and 1% cash back on all other purchases.
The Costco Anywhere Visa®Business Card By Citi offers elevated rewards on many of the categories businesses spend a good chunk of change. Only the gas/EV charging category has a cap, all other categories can earn unlimited cash back. If you buy your gas at Costco, you could save even more, as Costco gas prices are very competitive. There are some valuable travel benefits as well.
1% cash back
Earn unlimited 1% on all other purchases
2% cash back
Earn unlimited 2% on all other purchases from Costco and Costco.com
3% cash back
Earn 3% cash back on eligible travel, including Costco Travel
3% cash back
Earn unlimited 3% on restaurants
4% cash back
Earn 4% on eligible gas and EV charging for the first $7,000 per year and then 1% thereafter.
Pros
- No annual fee
- No foreign transaction fee
- Up to 4% cash back
Cons
- No welcome bonus
- High APR
- Requires good credit
- Requires Costco membership
U.S. Bank Triple Cash Rewards Visa® Business Card
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Our Rating: 4.5
★★★★★☆
U.S. Bank Triple Cash Rewards Visa® Business Card
Welcome Offer
$750
One-time $750 cash back will be awarded if eligible Net Purchases totaling $6,000 or more are made to the Account Owner’s Card within 180 days from account opening.
Est. Value
$750
We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.
Annual Fee
$0
APR
19.24% – 28.24% Variable
Credit Req’d
Good to Excellent 670 – 850
Rewards: Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center; 3% cash back on eligible purchases at gas and EV charging stations, cell phone service providers, office supply stores, and restaurants, and 1% cash back on all other eligible purchases.
The U.S. Bank Triple Cash Rewards Visa® Business Card is a strong cash-back credit card that includes an excellent upfront bonus and has a high everyday rewards program. There’s 5% cash back on prepaid hotels and rental cars booked directly in the Travel Rewards Center, and 3% cash back on many everyday spending categories. There’s even a $100 credit towards recurring software subscriptions, and 0% intro APR on purchases for the first15 billing cycles, then 19.24% - 28.24% variable APR.
1% cash back
1% cash back on all other eligible purchases.
3% cash back
Earn 3% cash back on eligible purchases at cell phone service providers.
3% cash back
Earn 3% cash back on eligible purchases at office supply stores.
3% cash back
Earn 3% cash back on eligible purchases at restaurants.
3% cash back
Earn 3% cash back on eligible purchases at gas stations and EV charging stations.
5% cash back
Earn 5% cash back on prepaid hotels booked directly in the Travel Rewards Center.
5% cash back
Earn 5% cash back on prepaid car rentals booked directly in the Travel Rewards Center.
Pros
- Welcome offer
- No annual fee
- Up to 5% cash back
Cons
- Foreign transaction fee
- Requires good credit
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 04/27/2023 | Experian | ||
| Approved | 04/27/2023 | TransUnion | ||
| Approved | 04/27/2023 | Equifax | ||
| Approved | 05/12/2023 | Not Provided | ||
| Approved | 04/05/2023 | Equifax | ||
| Approved | 05/01/2023 | TransUnion | ||
| Denied | 10/02/2023 | Experian | ||
| Denied | 10/02/2023 | TransUnion | ||
| Denied | 10/02/2023 | Equifax |
Category King Credit Cards With No Annual Fee
If you make a lot of business purchases from Amazon or Whole Foods, consider adding the card below to your wallet.
Amazon Business Prime American Express Card
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Our Rating: 4.0
★★★★☆
Amazon Business Prime American Express Card
Welcome Offer (Terms Apply)
Eligible Prime Members get a $125 Amazon Gift Card
Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
Est. Value
$125
We estimate the value of points and miles based on extensive research into redemption options. Keep in mind that the actual value can vary significantly based on how you use the points or miles.
Annual Fee
No annual fee
APR
19.49% – 27.49% Variable
Credit Req’d
Excellent, Good
Rewards: Earn 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter. Earn 2% cash back at U.S. restaurants, U.S. gas stations, and wireless telephone services purchased directly from U.S. service providers. 1% cash back on other purchases. Terms Apply.
Amazon Business Prime American Express Card is for business owners who often make business purchases on Amazon and are already Amazon Prime members. Yes, it’s true that the card does offer rewards in categories other than Amazon, but Amazon purchases are the main draw. There’s no annual fee for the card and no foreign transaction fees but you do need to have an Amazon Prime membership.
Terms Apply.
1% cash back
1% Back on other purchases.
2% cash back
2% Back on wireless telephone services purchased directly from U.S. service providers.
2% cash back
2% Back at U.S. restaurants.
2% cash back
2% Back at U.S. gas stations.
5% cash back
5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter.
Pros
- Welcome offer
- No annual fee
- No foreign transaction fee
- Up to 5% cash back
Cons
- Requires good credit
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 01/22/2024 | Experian | ||
| Approved | 07/24/2023 | Equifax | ||
| Approved | 07/24/2023 | Experian | ||
| Approved | 07/24/2023 | TransUnion | ||
| Approved | 05/28/2023 | Equifax | ||
| Approved | 05/28/2023 | Experian | ||
| Approved | 05/28/2023 | TransUnion | ||
| Approved | 04/04/2024 | Not Provided | ||
| Approved | 05/26/2023 | Equifax | ||
| Approved | 05/26/2023 | Experian | ||
| Approved | 05/26/2023 | TransUnion | ||
| Approved | 02/13/2023 | Experian | ||
| Approved | 11/30/2023 | Experian | ||
| Approved | 11/30/2023 | Equifax | ||
| Approved | 11/30/2023 | TransUnion |
Summary
Small business owners have tons of fees to keep track of, so there’s no reason your credit card needs to have an annual fee as well. There are a lot of great business credit cards that don’t charge an annual fee, and one (or more) will suit you perfectly.
